Payne County
Oklahoma · FIPS 40119
According to CFPB HMDA 2024 application volume among U.S. counties, Payne County ranks #878 of 3,210, and #14 of 77 in Oklahoma.
Mortgage lending activity in Payne County, Oklahoma based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Payne County, Oklahoma saw 2,209 HMDA-reported mortgage applications in 2024. Lenders originated 1,127 of those loans and denied 282, producing a denial rate of 12.8% and an approval (origination) rate of 51.0%. The average loan amount was $224,796 at an average note rate of 7.18%, with applicants self-reporting average annual income of $36K. 171 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.2x, meaning typical borrowers took on mortgages of about 6.2 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Payne County
In Payne County, lead originator BANCFIRST funded 16.7% of 1,127 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.1% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Payne County's 2,209 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Payne County's $224,796 average loan (deduped against volume peers).
Lenders active in Payne County
BANCFIRST funded 188 of the 1,127 loans originated in Payne County, 16.7% of the county. 171 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | BANCFIRST | 188 | 16.7% |
| 2 | Lendlo Mortgage, LLC | 81 | 7.2% |
| 3 | Great Plains National Bank | 81 | 7.2% |
| 4 | Simmons Bank | 67 | 5.9% |
| 5 | Payne County Bank | 61 | 5.4% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Payne County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Payne County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.